Tool disclosures and methodology

Educational decision support

Compass 360 tools are interactive educational illustrations based solely on information and assumptions entered by the user. They are not individualized investment, insurance, tax, legal, accounting or medical advice; an offer or solicitation; a policy or product recommendation; a securities recommendation; an underwriting decision; or a guarantee of any outcome. Using a tool or submitting a contact request does not create an advisory relationship. A relationship begins only through an applicable written agreement.

Retirement illustration methodology

The retirement calculator expresses values in today’s dollars. It combines the user’s entered retirement spending, estimated recurring retirement income, separately identified reserves and legacy goal to illustrate capital that may be needed at retirement. It projects entered assets and annual savings to retirement using a constant real return derived from the user’s nominal return, inflation, and annual fee/tax-drag assumptions. It estimates retirement spending capital with a level real annuity calculation through the entered planning age and shows more-stress, planning-case and more-favorable assumption ranges.

Those calculations smooth market volatility. They do not model sequence-of-returns risk, actual security or account performance, account-level taxes, tax-law changes, required minimum distributions, Medicare IRMAA, Social Security claiming or survivor rules, pension elections or credit risk, investment-product expenses beyond the entered drag, insurance costs, inflation changes, longevity beyond the planning age, changing spending, or cash-flow timing within a year. The scenarios are not actual or hypothetical performance of a Savior-managed portfolio. Actual results may differ materially.

Roth conversion illustration methodology

The Roth Conversion Explorer runs in the browser and compares one user-entered conversion with leaving the same amount in a traditional IRA. Its current-year federal estimate uses 2026 ordinary-income brackets, treats any entered current-year required distribution as occurring before the conversion, and separately displays a user-entered state-tax scenario, a Medicare Part B IRMAA threshold screen and a potential early-distribution penalty when tax is paid from an IRA before age 59½. Long-term values use constant annual returns, reinvest net required distributions in the taxable account, and apply the user-entered future tax rate to remaining traditional IRA values.

The illustration does not determine an optimal conversion or model IRA basis and Form 8606, itemized deductions, credits, capital gains interaction, Social Security taxation, NIIT, ACA effects, qualified charitable distributions, Part D IRMAA, the complete two-year Medicare lookback, state law, cross-border tax, future tax-law changes, transaction execution or every survivor and beneficiary rule. The crossover is an illustration under the entered assumptions—not a recommendation. A qualified tax professional and the user’s financial adviser must review the complete facts before action.

Protection, care and policy review

Insurance and long-term-care ranges are broad educational estimates—not quotes, illustrations, contracts, coverage determinations or promises of insurability. Availability and price can vary materially with age, sex where permitted, state, health, family history, occupation, avocations, benefit design, carrier, underwriting class and other factors. A local policy summary may be incomplete or inaccurate and must be compared with the issued contract and current in-force illustration. Do not cancel, replace, exchange, borrow from, surrender or change a policy based on a Compass result. Replacement, tax treatment, carrier strength, guarantees, costs and suitability require professional review.

Sources and verification

Third-party information may be delayed, incomplete or inaccurate and should be independently verified. Social Security benefits should be checked against your official Social Security estimate. Insurance consumers may also consult the National Association of Insurance Commissioners’ consumer resources. Tax, estate, healthcare and insurance rules change; consult the relevant qualified professional.

Privacy, records and contact requests

Calculator inputs, policy contents, health answers, uploaded source files, balances and results are designed to remain in the browser on the device used unless the user deliberately exports or securely shares them. Savior may retain invitation identity, allowlisted tool activity, privacy acknowledgements and deliberate service-request contact/routing details for service, security, marketing measurement and books-and-records obligations. Ordinary email must not contain policies, health details, account information or other confidential planning records. Read the tools privacy summary for the precise data boundary.

Investment and jurisdiction disclosures

Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. No strategy can assure a profit or protect against loss. Services are offered only where permitted, and nothing on this site is an offer in a jurisdiction where unlawful. For firm information, conflicts, registrations and the controlling disclosures, review Savior Wealth’s Important Disclosures, including links to applicable regulatory documents.

Human review

A complete financial plan considers facts that a short calculator cannot capture. Before acting, review your assumptions and decisions with your Savior advisory team and, where appropriate, qualified insurance, tax, legal, estate-planning and healthcare professionals.